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The average insurance costs for a Mini Cooper is $227 a month — or $2,724 a year. Your actual cost could be more or less depending on your driving record, the number of miles you drive in a year and other factors.
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Our top pick: Progressive
Choose from a long list of discounts and coverage for almost any driver.
- Top-rated insurer with 80 years of experience
- Easy online sign-up and reporting
- Multiple discounts available
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Compare insurance for your Mini Cooper
Mini Cooper car insurance rates
A 2017 Mini Cooper starts at a base price of $20,950. With the average insurance rate at $2,724 per year, the annual insurance cost–to–base car price ratio is 13.0%.
| Model | Monthly insurance rate | Base car price |
|---|---|---|
| Mini Cooper | $227 | $20,950 |
| Mini Cooper 4-door | $140 | $23,450 |
| Mini Clubman | $132 | $26,000 |
| Mini Convertible | $108 | $22,500 |
| Mini Countryman | $140 | $26,600 |
| Mini Countryman SE | $130 | $33,441 |
About the Mini Cooper
The Mini Cooper has been around since 1961. The subcompact car is known for its sporty handling, turbocharged engines and upscale interior. In 2003, the Mini Cooper was named the North American Car of the Year. In 2012, there were more than 300,000 Mini cars sold throughout the world and the largest market was the United States, which had more than 66,000 sales. Today, there are over 100 Mini dealerships scattered across the US and four unique Mini financing and leasing programs to help get you behind the wheel.
Mini Cooper money-saving safety features
You could save money on car insurance for your MINI Cooper if it comes equipped with these safety features.
- Anti-lock brakes
- Stability control
- Airbags
- Seatbelt pretensioners
- Anti theft system
Special savings with Liberty Mutual
Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:
- Genuine Mini replacement parts
- Towing back to the nearest Mini dealership
- Accident forgiveness
- 24-hour claims service
- Roadside assistance
- Accident forgiveness
- Collision coverage
Our top pick: Liberty Mutual
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
- Roadside assistance
- Accident forgiveness
- Collision coverage
- Better car replacement
- Coverage for every location
How safe is the MINI Cooper?
The 2017 Mini Cooper was named a Top Safety Pick car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests. The National Highway Traffic Safety Administration (NHTSA) awarded the Mini Cooper with a 4-Star Overall Safety Rating. The NHTSA gave four stars, out of five, for all crash tests performed on the MINI Cooper.
In 2017, the National Insurance Crime Bureau ranked the Mini Cooper as number nine in their list of the Top 10 Least Stolen Used Cars.
How does the Mini Cooper compare to other car models?
From a price standpoint, the MINI Cooper ranks right in the middle of our list of the 360 priciest car models to insure.
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